It’s called “Prime Mortgage Borrowers: Then vs. Now.”

It was comparing the prime borrower in 2007 to the prime borrower RIGHT NOW.

Check out how ridiculously easy it was to qualify for prime only a few years ago…

In 2007 Requirements for a “PRIME MORTGAGE LOAN” to buy a house were:

• Loan Values up to 125% of the property value
  • Meaning you could borrow $200,000 on a house only worth $175,000
  • Debt to Income ratios of up to 45% of incomee
  • Minimum FICO Score of 620
  • e1 Past W-2
  • 2 months of fallback reserves
  • Employment corroborated one month out prior to closing

Fast forward to the requirements to buy a house TODAY:

• Loan Values max out at 80% of house value
  • *Which means buyers have to put down at least 20%*
  • Debt to Income levels are lower at 33%
  • Minimum FICO is 680 to 720
  • 2 YEARS of W-2s must be provided
  • 12 months of fallback reserves must be available
  • Re-verification of employment within 10 days of closing is required
  • A foreclosure, short sale or deed-in-lieu must be at least seven years old

So what does this mean for us investors exactly?

Well according to watchdog credit rating agency DBRS…

“Based on the minimum FICO score, maximum loan-to-value (LTV), and the requirement that a foreclosure, short sale or deed-in-lieu be at least seven years old, it is likely that most of the U.S. population will not be able to qualify for a mortgage any time soon,” DBRS says.

“Consequently, DBRS expects the housing recovery to continue to lag for many years to come unless there is a loosening of underwriting criteria by the major lenders,” the DBRS concluded.

This changes the game for investors, big time.

If you’ve been following the free material I’ve been sending you about how to profit from recent housing trends with INSTANT CASH INFUSION, you realize this information from DBRS mightily supports the investing strategy Instant Cash Infusion is built on, and will allow investors like you to thrive for the next 2-5 years…

But only if you know how to sidestep the new bottlenecks of banking. Without available credit, we must invest in strategies that do not require bank loans for ourselves or our buyers.

So I am hosting a webinar to show you EXACTLY how to thrive in today’s market – that will instantly put $500 – $20,000 in your pocket in as little as 16 days.

Click here and register now

On the “No Banks Needed” Tell All presentation I’ll be revealing to you…

• 4 simple, fast, safe and easy ways for you to make money that don’t require any banks whatsoever
• How my students and I have been perfected these strategies since 2004
• Why since late 2011 and now into 2012, these investing techniques are even better poised for you and I to prosper from because of the current shifts in the financial markets
• How you can profit from every type of property, right now. Houses with equity, houses with no equity and no default (which are most common) and overleveraged houses in foreclosure (short sales)
• These leads are everywhere and require little to no marketing costs on your part to obtain. As I said earlier they are the most common lead type I get into my business. In fact, in the past, I used to throw these away. Not anymore
• You get paid within 60 days. Often in as little as 16 days. No waiting for 7 months to get a short sale approved and flipped or a house rehabbed and sold
• You pocket between $500 to $20,000 without needing a loan for any of it
• The critical set of forms you must use to execute all these techniques for faster payouts How buyers will fight over these properties you will control because they don’t have to qualify for bank loans. Not to mention the 80 – 100 million hungry buyers who cannot qualify for a bank loan. I’ll show you how to flip them over to the buyer for a very handsome fee
• One technique with three ways to make you money. You can make some cash now (between $500 to $20,000), cash flow each month (between $100 to $1,000) and then cash out down the road (between $7,000 and $40,000) without ever owning the home

Instant Cash Infusion is the quickest, easiest way to make money in real estate with no money, bad credit, and no loans for you or your buyers.

And isn’t that what you’re really looking for?

Listen, I care a lot about you and your future. This is stuff you need to know to be successful. If you let this kind of information go unnoticed, your real estate investing business will never get off the ground or you’ll waste hundreds of hours and thousands of dollars doing the wrong things.

Get on the webinar to learn how to fix your cash flow challenges now, with a quick $500-$20,000 in as little as 16 days.

Register Here Now.

Josh

P.S. Make sure you’ve read my free ICI Survival Guide. It contains tons of important information that you need to know in today’s real estate market.

Up to 9 million homes may enter foreclosure in 2012 period,
versus one million in a typical year.

This will send shock-waves through the stock markets and world economy.
It may well be the “dark ages” for homeowners and lenders alike…and the wave of mortgage re-sets will continue in a relentless onslaught…with no mercy!

This can equate to 500 billion in lender losses…

Check out this chart from a huge Euro Bank that shows when
the resets are happening for all the exotic mortgages:

As you can clearly see, we are entering the last (HUGE) wave
of foreclosures right now. All of these resets will cause
foreclosures in 2012.

CLICK HERE to find out how to make money from this
situation

The ARM’s, Option ARM’s, Subprime and Alt-A will be the main
casualties – but will spread into the prime classes too!

The “Too Big to Fail” banks are under the gun for the shady
practice of “robo-signing,” which covers a wide range of
foreclosure paperwork abuses. This serious “mess” has
launched massive legal probes around the country, including
an investigation led by an angry hive of state attorney
generals which reportedly could end up costing banks upward
of $20 billion in settlements to ripped-off foreclosed
home-owners.

The big lenders will be in the “hurt locker” and desperately
seeking investors willing take distressed residential and commercial
properties off their books…as soon as possible!

As you know, 60% of all Option ARM and ALT-A mortgages that
were originated in the “Sand States” -California, Nevada,
Arizona, and Florida began to adjust in 2009. And I’ve got
news for you…

It’s not over yet by a long shot…

In 2012, it’s going to go through the roof, impacting the
entire nation with pre-foreclosure and foreclosure activity.
Many of the major lenders will hold vast amounts of toxic
foreclosures…and are on the edge of extinction. They are
doing a wild spin into C-, D- and finally E- credit ratings
– and that’s end-game.

This massive shift has created a huge opportunity for real
estate investors in 2012. Now is the time to tap into this
massive opportunity.

Go here to get the rest of the story.

Do not ignore this opportunity or you may regret it for the
rest of your life.

Happy Holidays,
Josh

PS: If you’re like me, you’re busy with last minute Christmas shopping. Take a quick break and go here to watch a video that explains the entire situation. It’s a must see.

There is more that I want to share with you (after all, it is the season of giving!).

Today, I want you to download and listen to this podcast where I go into a little more detail about sales mastery. As with the eBook, this podcast is completely free – just sign up for a free account when you get to the Top Real Estate Investor blog and you’ll be able to download it.

Now you don’t even have to sit down to read how to become a master at converting every lead into a sale. Learn how to do it while you’re driving in your car or working out at the gym… no excuses!

You’ll learn about…

• Overcoming objections – what to say, when to say it, how to ask questions and how to present yourself.
• I will remove all the intimidation from talking to realtors or sellers.
• Converting a prospect to an appointment and then converting an appointment to a contract.

Join me and real estate coach and sales expert Dan Doran as we walk you through the art of selling, the art of conversion.

Never fall down again… learn how to soar into the New Year with this free podcast.

Talk Soon,

Josh